Texas · Rating Area 10 · Plan year 2026
Health insurance cost in Harris County
Insurers filed 121 individual marketplace plans that are actually sold in Harris County — from 9 companies. For a 40-year-old non-smoker, prices start at $374.51 a month, with a typical (median) plan at $646.92 — about $19 below the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Harris County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $293.04 | $506.21 |
| 30 | $332.60 | $574.53 |
| 40 | $374.51 | $646.92 |
| 50 | $523.37 | $904.07 |
| 60 | $795.32 | $1373.82 |
One non-smoking adult, all metal levels combined. Federal rules cap the 64-year-old price at three times the 21-year-old price — see the full Texas age curve.
By metal level (age 40)
| Metal level | Plans | Lowest | Median |
|---|---|---|---|
| Catastrophic | 2 | $449.09 | $510.96 |
| Bronze | 3 | $385.28 | $488.69 |
| Expanded Bronze | 29 | $374.51 | $491.79 |
| Silver | 46 | $586.21 | $755.20 |
| Gold | 41 | $501.60 | $648.80 |
Higher metal = higher premium but lower costs when you use care. If your income qualifies for cost-sharing reductions, they apply only on Silver plans — a Silver plan can then beat Bronze on total cost.
Cheapest plans at age 40
| Insurer | Plan | Metal | Monthly |
|---|---|---|---|
| Community Health Choice | Community Select Bronze 016 (No deductible for PCP, Urgent Care & Gene | Expanded Bronze · HMO | $374.51 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Bronze | Bronze · HMO | $385.28 |
| Community Health Choice | Community Ultra Select Bronze 016 (No deductible for PCP, Urgent Care | Expanded Bronze · HMO | $396.76 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ Standard | Expanded Bronze · HMO | $403.26 |
| Community Health Choice | Community Ultra Select Bronze 018 (No deductible for PCP, Specialist, | Expanded Bronze · HMO | $410.63 |
Lowest premium is not always lowest total cost — check deductibles and networks before choosing. Catastrophic plans have enrollment restrictions above age 30.
Who sells here
Oscar Insurance Company (23 plans) · Blue Cross and Blue Shield of Texas (22 plans) · WellPoint (21 plans) · Ambetter from Superior HealthPlan (18 plans) · Community Health Choice (15 plans) · UnitedHealthcare (15 plans) · Imperial Insurance Companies, Inc. (7 plans)
No insurer covers all of Texas, so this line-up is specific to Harris County. Compare nearby markets: Dallas County · Tarrant County · Bexar County · Travis County · Collin County · Denton County · Hidalgo County · El Paso County · Fort Bend County · Montgomery County · Williamson County · Cameron County · Nueces County · Brazoria County · Bell County · Galveston County · Lubbock County · Webb County · Jefferson County · McLennan County · Smith County · Brazos County · Hays County · Ellis County — or the statewide view.